Safety Features That Save on Home Insurance Costs

When paying your home insurance (or looking at the payment in your monthly mortgage payment), you may wonder if this is the price you will be locked into paying for the foreseeable future. Truth be told there are ways to reduce your home insurance costs without going into a lower grade of coverage. Thanks to several safety features, you’ll lower the chance of a break in and extensive fire damage. At GTW Insurance, we want to make sure your NE Arkansas home is well protected while you save money along the way.

Security System

A security system reduces the chances of you being robbed. Even if you are, the security information can help track down your stolen goods faster. This is good news for both you and the insurance company. As you are less likely to be the recipient of a break in, your insurance company may reduce your insurance costs.

Fence

A fence is a great way to protect your property and give a border to where your property ends and where your neighbors begin. Whether you go with a chain link fence, cast iron or wood, fencing protects your home, so consider telling your insurance agent after installation is complete.

Smoke and Fire Detectors

You can integrate these into the home security system or simply have devices installed in each room. However you do it, these can both save a life and save you money.

These are just a few of the ways you may be able to cut down on the cost of your home insurance. If you are interested in other options, we at GTW Insurance can help. So whether you live in NE Arkansas or a surrounding area, we want to assist you with all your home insurance needs.

Driving Tips for Grandma

We all get old, and we don’t like to admit that we aren’t as quick and sharp as we were when we were spry and twenty. With a few good tips, adjustments and precautions, driving can still be as wonderful and enjoyable and most importantly, safe.

The Senior and the Car

  •  Automatic transmissions allow for less to concentrate and physically do while driving.
  • Be Proactive.  Take a defensive driving course. AARP and many insurance companies offer these.
  • Always wear your seat belt.
  • Don’t tint your windows.
  • Limit distractions inside the vehicle, this includes phones, conversations, and loud radio.
  • Keep a safe distance between the car you are in and the car ahead of you.
  • Windshield wiper blades should be kept in good working condition.
  • Avoid driving in bad weather.
  • Stay close to home and use well-known routes of travel.
  • Make sure your seat is adjusted so you have a clear view of the road and can reach the pedals.
  • Limit night time driving.
  • Keep your mirrors, windshield, and headlights clean.
  • Turn the brightness up on the instrument panel.
  • Have your car checked regularly.
  • Keep your gas tank full and your cell phone charged.
  • Carry a sweater and/or a blanket in the car.

The Senior and Physical Wellness

  • Annual checkups are a must, as well as vision and hearing tests.
  • Remember to use your glasses and hearing aids.
  • Read your medication to make sure they don’t  impair driving skills, with drowsiness, or impaired vision
  • Don’t drive if you feel lightheaded, tired, or stressed.
  • Take your time driving, reaction time slows down with age.
  • Take frequent breaks when driving for a long time.
  • Have a few snacks in the glove box in case you miss a meal.

Call GTW Insurance in NE Arkansas, for advice.